NYSE:C

Citigroup Inc. (C)

144.98
+1.39 (0.97%)
as of Jun 25, 2026, 8:00:00 pm Market Open.
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Investor Insights
star iconJun 25, 2026, 12:00 am

This summary was created by AI, based on 38 opinions in the last 12 months.

Citigroup Inc. (C) is experiencing a notable turnaround under its new CEO, who has implemented effective cost-cutting measures and strategic rationalization of the bank. Analysts highlight that the bank recently reported impressive earnings growth, with a 56% increase in its latest quarter, marking some of its best performance in decades. Despite this resurgence, experts express concerns that Citigroup's valuation remains slightly rich in relation to its growth potential. The company's performance is compared favorably to its peers, although it is often noted as undervalued compared to competitors like JPMorgan Chase (JPM). With a solid progression towards profitability, a strong dividend yield, and a positive outlook driven by ongoing strategic improvements, many analysts remain bullish on Citigroup while acknowledging macroeconomic uncertainties affecting the broader banking sector.

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Consensus
Positive
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Valuation
Undervalued
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Similar
JPM, JPM
DON'T BUY
US financial sector over the next year has a good outlook because they are allowed to raise dividends. This one is still in the process of attempting to get out from under its mistakes. If it does raise its dividends, it is going to be much smaller than the healthy ones like J. P. Morgan Chase (JPM-N) or Wells Fargo (WFC-N). Why look at this when you have the Cdn financials with a much better yield and outlook.
SELL
Just sold when they announced a stock consolidation. Typically after a stock consolidation, a stock will go down in value 90% of the time.
DON'T BUY
Just marginally getting permission to start issuing dividends again they come off the TARP program. Will take a while. Efficiency ratio is bad, high costs ROE are low and Tier 1 capital is still very low so there is a lot of risk being shown in the share price. Their bonds would be better.
DON'T BUY
Going to have a 10 to 1 split. A reverse split is rarely a good sign. Looks like there are still some hang-ups coming from Europe. Still sees global de-leverization.
COMMENT
Doesn’t understand reverse splits. Pension funds have no trouble buying a $4 stock. Used to own the stock but sold. It will go up and do well, but prefers others. They are really an international bank.
DON'T BUY
Highest beta because of market volatility. A 10 for 1 consolidation makes the math very negative. It’s too early of a story – wait 2 or 3 years.
DON'T BUY
It has been said that when a company does a reverse split, it never recovers, but he doesn’t think so in this case. He just thinks they are embarrassed to have a stock priced under $5. It also disables some institutional investors from owning the stock so by consolidating it, it opens up the stock to more investors. The market for mortgage-backed securities has recovered in the last 3 months. The problem for an investor is that it is hard to know what is going on. If you don’t understand it, don’t buy it. He would wait at least another year.
DON'T BUY
Not his favourite of the US banks. Have a little trouble getting out of its own weight. Diluted the living daylights out of everything. Would prefer Bank of America or Goldman Sachs.
DON'T BUY
On his watch list. Is waiting for Gov’t to sell off their shares. They have pretty well exited. They are now too big to fail which is a nice backstop. They will survive, but he doesn’t have a good sense as to how they will prosper.
RISKY
Bought last year in TFSA. At $4 he thought it was worth the gamble. He thinks there are significant breakdowns to come, but US banks look somewhat attractive. Bought for himself but would not for clients.
DON'T BUY
Still a big global bank. Gone through the depths of 2008 and was rescued by the government. Have a lot of leverage so it global recovery continues to pick up they’ll be able to take advantage of it. Prefers other US financials.
DON'T BUY
Concerned about severe dilution in 2008. You are looking at a stock at the same multiple as Canadian banks. Would prefer Canadian Banks.
HOLD
Had a big bounce off its lows. If you own it, he would keep it. He would not be surprised if they started to break it up. He doesn’t worn a US bank. He doesn’t know what’s inside C-N
COMMENT
Doesn’t own any US banks. If everything goes smoothly, the best leverage is in the US banks because they have been punished so much. (See Top picks.)
TOP PICK
Amazing global footprint. Tremendous earning power. Immense tax-loss carry forward. 60% of earnings are from outside the US. Will also benefit from the yield curve as the cost of money for them is .25% from the fed and they can turn around and loan that money or buy other securities that yield more than that.
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